Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,888Cash toward the purchase price.
Closing costs + prepaids$13,846Not just lender fees.
Before credits & paid funds$50,734The complete starting cash picture.
Estimated remaining funds due at closing
$50,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,888.10
Your down payment$36,888.10
Closing costs + prepaids$13,846.19
Total buyer cash needed$50,734.29
Remaining funds due$50,734.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,925.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,778.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.50
Initial HOA (3 months)$306.00
Prepaid interest, first (31 days)$2,180.63
Fees + prepaids$13,846.19
Your down payment is the seller’s equity. You take over the $355,612 balance, so the rest of the $392,500 price is paid at closing. A second mortgage can cover part of it. $50,734.29 is due at closing. Uses and sources reconcile at $406,346.19 each. Not a Closing Disclosure.